Transferring to Union Health

Hospital cover

When you transfer to Union Health from another fund, you will receive continuity of equivalent cover providing you join Union Health within two months of leaving your former health fund. If any waiting periods have not been served (at all or in part) with your former fund, you will be required to serve the balance of the waiting period before you can claim any benefits from Union Health. Where your new cover has higher benefits (including a lower excess or fewer excluded/ restricted services), waiting periods will apply.

In the case of a lower excess, you’ll need to pay the previous higher excess for a hospitalisation in the first two months of cover.

Extras cover

When you transfer to an equivalent level of cover with Union Health, you will receive the first year benefits and limits (for covers that have annual limits that increase with years of membership) for all services, provided all waiting periods have been served with the previous fund.

Credit will be given for waiting periods partially served with your previous fund or on a previous level of cover if you are upgrading. If you transfer to a level of cover that provides services not covered by your previous fund, all relevant waiting periods for these services must be served with us.

Any benefits paid by your previous fund will be deducted from the Union Health limits until the waiting period is served. Continuity of membership will only be taken into account if you join Union Health within two months of ceasing membership with your previous health fund.